So you want to get a credit card back, but don't have the credit rating or credit history to be approved. There are several things you can try that may help. First, check with your card company to see if there are any offers available for you that they are offering. Some companies will extend credit to those with less than perfect credit. While you can't do anything to improve your credit rating, you may be able to get an increase in credit limits or lower interest rates. If that isn't possible, then you may want to start shopping around and compare offers on other cards to see what the competition has to offer.
If you have bad credit, then you may have to pay a higher interest rate. That's why it's important to keep up your credit score so you can show potential lenders that you are a credit worthy person who can be trusted. One way to do this is to pay off the balance on your credit card every month. Even if you can't afford the full payment each month, simply paying the minimum will show that you are responsible and that you are working to get your credit back. If you can make payments on time, you may even find that some card companies will increase your credit limits.
Another thing you can try when you want to get credit card back is to stop buying anything using your credit cards. When your credit is good, you can take advantage of special deals at stores. But as soon as your credit starts to fall apart, it becomes harder to get the same perks you once enjoyed. Especially, if you have many credit cards. It's almost impossible to go shopping and pay cash for items when you don't have cash.
Instead, you may want to look into prepaid cards. These cards usually come with a short period of time and a high credit limit. They are perfect for people who need a little boost in their credit history. They work like credit, but they don't show up on your credit history report until you have made a certain amount of monthly payments. The idea is that you are only using the card for a few months before you refill it, but you will be building a credit history each month, which will give you a better chance at getting additional cards in the future.
But even if you are unable to get your credit cards all the way back up, you may still be able to get them all back. Some credit companies have agreed to settle your accounts for less than what you actually owe. This doesn't mean that you will have to pay the entire balance, but you should be able to get a large chunk of what you owe taken off your credit report. And with companies like Transunion and Equifax now routinely releasing credit scores online, it is easier than ever to see where you stand and where you need to make changes.
If you want to get credit card back, make sure that you follow these pointers. If you do follow this advice, and also make sure that you pay your monthly balances on time, you can almost guarantee that you will be given your credit card back after a period of time. This time will be measured in years, not months. By working to repair your credit, you can go from having bad credit to good credit in a short amount of time.